Best Alternatives to 8lends in 2026
If 8lends' lack of EU regulation, short track record or crypto-wallet requirement gives you pause, here are five established fiat-currency P2P platforms worth comparing — each with a longer public track record, though none offer 8lends' real- world-asset-collateral structure or headline yield.
Mintos — largest, most liquid
MiFID II-regulated by Latvijas Banka, €12.4bn+ cumulative volume since 2015, 9–11% target return, working secondary market. See our full 8lends vs Mintos comparison.
PeerBerry — buyback on every loan
Consumer, leasing and real-estate loans since 2017, ~11% target return, buyback guarantee and secondary market on every listed loan; ECSP licence pending in Lithuania at time of review.
Nectaro — MiFID II-regulated, buyback included
Operating since 2016 under Latvijas Banka's MiFID II framework, 12.5–14.5% target return with buyback guarantee, though no secondary market.
Lendermarket — EU ECSP-licensed
Ireland-based, ECSP-licensed under the Central Bank of Ireland, 10–18% target return range with buyback guarantee on consumer and business loans.
Robocash — long-running consumer lender
Consumer lending since 2017, 1,300+ cumulative loan volume reported, 9–13% target return with buyback guarantee, though not currently under a named financial regulator.
None of these platforms use 8lends' real-world-asset tokenisation or blockchain settlement model — they are traditional fiat P2P platforms. If what draws you to 8lends specifically is its crypto-native, RWA-backed design, these alternatives are a different product category, not a drop-in replacement.
Figures from our internal CrowdIndex platform registry, reviewed 2026-06-07. Regulatory status and terms change; verify directly with each platform before investing.
Disclaimer. Information only, not financial advice. All P2P lending carries risk of partial or total loss of capital.